Independent, fiduciary retirement-income planning — serving Livonia and Wayne County, MI. Book a free Retirement Check-Up with Dan Casey, in person or on Zoom.
Livonia is the largest city in Wayne County by geographic footprint and one of the most stable middle-class communities in Metro Detroit. Our Livonia client profile is usually a long-tenure Ford or Ford-supplier career, a pension, a solid 401(k), and a paid-off home — with children in their 20s or 30s and a growing interest in leaving a meaningful financial legacy rather than just covering their own retirement.
Our Livonia clients span the 48150, 48152, and 48154 zips — often in neighborhoods like Laurel Park, Bonaparte, and areas near the Livonia Civic Center. The legacy-planning question is usually just as important to them as the income-planning question.
Livonia households with paid-off homes, solid pensions, and IRA balances in the $400K–$800K range are in the sweet spot for <em>QCD</em> (Qualified Charitable Distribution) strategies once age 70½ hits — giving directly from the IRA to charity avoids the income-tax hit of an RMD entirely, and it's one of the best-kept tax breaks in the code.
Every plan is written, not pitched. We start with a 30–60 minute discovery conversation — no product talk, no pressure, no cost. From there, if we're a mutual fit, we build a comprehensive plan covering guaranteed-income design, tax-efficient withdrawals, Social Security filing strategy, Medicare, long-term-care exposure, and legacy planning. Every piece is optional. You implement only what you agree with, and we review it all free, every year, for life.
Our primary office is in Bloomfield Hills, roughly 15–25 minutes from most Livonia neighborhoods. You can also meet us:
National press — local client base
I have been working with Dan Casey of Panic Proof Retirement for quite a few years now. Being someone who is not that great at understanding finances, it has been very valuable to have him guiding me into feeling comfortable in my financial readiness for retirement. He is always available to talk to me and answer all my questions. Thank you, Dan!
Dan was very easy to work with in helping us plan for retirement. We discussed all our options and now feel much more confident for the upcoming retirement years knowing that the money will be there when we need it. We developed a plan that will provide a steady stream of income so we can continue living as we are accustomed to.
Dan is following our agreement completely. We have been working with him for 4 years. He is able to answer all our questions with great skill and guidance. He has a great sense of humor. It is a joy to work with him.
Book a free Retirement Check-Up and walk away with a clear picture of where you stand — in person, on Zoom, or over the phone. Whichever works for you.
